Last Updated: April 6, 2026
Welcome to A & G Collective. By accessing our website and using our services, you agree to comply with and be bound by the following Terms & Conditions. Please review them carefully.
By accessing or using the A & G Collective website ("Site") and services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our Site or services.
Our services are available only to businesses and individuals who:
You may use our Site for lawful purposes only, including:
You agree NOT to:
Submitting a loan application does not guarantee approval. All applications are subject to our underwriting process, creditworthiness evaluation, and compliance with lending criteria. We reserve the right to approve, deny, or request additional information for any application.
You agree to provide accurate, current, and complete information in your loan application. Providing false or misleading information may result in denial of your application, termination of services, and potential legal action.
Specific loan terms, including interest rates, repayment schedules, fees, and conditions, will be outlined in a separate loan agreement. These Terms & Conditions do not constitute a loan offer or commitment to lend.
Text Message Communications:
By providing your mobile phone number and expressly opting in, you consent to receive marketing and promotional SMS/MMS messages from A & G Collective, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month. Actual frequency depends on your account activity and our promotional campaigns.
Costs: Message and data rates may apply as determined by your mobile carrier. We do not charge for messages, but your carrier's standard rates apply. Consult your mobile plan for details.
Supported Carriers: Service is available on major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Coverage and delivery may vary by carrier and location.
Opt-Out Instructions: To stop receiving messages, reply STOP to any message from us. You will receive one final confirmation message. You may also email info@aandgcollective.com to unsubscribe.
Help & Support: Reply HELP to any message for assistance, or contact us at info@aandgcollective.com or 1960 University Avenue, Berkeley, CA 94704.
Consent Not Required: Consent to receive SMS messages is NOT a condition of purchase or use of our lending services. You may contact us through alternative communication methods.
Privacy: Your mobile number and SMS consent data will not be shared with third parties for their marketing purposes. See our Privacy Policy for details.
All content on this Site, including text, graphics, logos, images, software, and design, is the property of A & G Collective or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any Site content without our express written permission.
Our Site may contain links to third-party websites or services that are not owned or controlled by A & G Collective. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party sites. You acknowledge and agree that we shall not be liable for any damage or loss caused by use of such sites.
The Site and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Information provided on this Site is for general informational purposes only and does not constitute financial, legal, or tax advice. Consult with qualified professionals before making financial decisions.
We do not guarantee that the Site will be uninterrupted, secure, or error-free. We may suspend or discontinue any part of the Site at any time without notice.
To the fullest extent permitted by law, A & G Collective and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:
You agree to defend, indemnify, and hold harmless A & G Collective and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
These Terms & Conditions are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.
Any disputes arising from these Terms or use of our services shall be resolved through binding arbitration in Berkeley, California, in accordance with the rules of the American Arbitration Association.
We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to the Site. The "Last Updated" date at the top indicates when the most recent revisions were made.
Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms & Conditions, together with our Privacy Policy and any loan agreements you enter into, constitute the entire agreement between you and A & G Collective regarding use of the Site and services.
If you have questions about these Terms & Conditions, please contact us:
A & G Collective
1960 University Avenue
Berkeley, CA 94704
Email: info@aandgcollective.com